Buying Insurance in Qatar
Health Insurance for Residents in Qatar
Qatar's Healthcare Services Law mandates private health insurance for non-Qatari residents, including expatriates and their dependents, to cover basic medical services. Employers or sponsors typically arrange coverage, but individuals can purchase or supplement policies online. Plans often include inpatient/outpatient care, dental options, and pre-existing condition coverage from day one. Popular providers offer instant quotes and digital issuance.
GIG Gulf: Tailored individual and family plans with comprehensive coverage, online claims, and a mobile app for policy management. Website: https://www.giggulf.qa/en/personal/products/health-insurance
Qatar Islamic Insurance Company (QIIC): Silver and Gold plans for inpatient/outpatient services, with add-ons for routine and major dental care. Cashless claims at networked hospitals. Website: https://www.qiic.com.qa/products/retail/medical-insurance/
AlKoot Insurance: Fixed individual and family policies for Qatari citizens and residents, with online payment links and coverage for dependents. Underwriting based on medical questionnaire. Website: https://www.alkoot.com.qa/node/57
QLM Life & Medical Insurance: Comprehensive plans compliant with mandatory schemes, including global provider networks and 24/7 support. Website: https://qlm.com.qa/
Doha Bank Medical Insurance: Access to direct billing and coverage for inpatient/outpatient treatments in Qatar's facilities. Apply online or via branches. Website: https://qa.dohabank.com/personal/insurance/medical-insurance/
Car Insurance for Residents in Qatar
Third-party liability insurance is mandatory for all vehicles in Qatar, with comprehensive options recommended for full protection against accidents, theft, and damage. Residents can buy or renew policies online, often with discounts for digital purchases, and access roadside assistance. Policies are typically annual and issued instantly.
GIG Gulf: Comprehensive and third-party plans with 10% online discount, Apple Pay support, and 24/7 claims via app. Covers repairs at certified garages. Website: https://www.giggulf.qa/en/personal/products/car-insurance
Qatar Insurance Company (QIC): Instant online quotes for comprehensive or third-party policies, payable via app or card. Includes unlimited liability and agency repairs for newer vehicles. Website: https://qic.online/en/car-insurance
Doha Insurance Group (DIG): Award-winning app for buying/renewing motor insurance with instant discounts. Highest coverage levels available. Website: https://www.dig.qa/
Qatar General Insurance & Reinsurance (QGIRCO): Quick online quotes in one minute for motor coverage, with options for comprehensive protection. Website: https://www.qgirco.com/
Beema Insurance: Comprehensive auto plans with 24/7 roadside services and online payment for instant policy delivery. Website: https://beema.com.qa/motor-insurance/
Qatar Islamic Insurance Company (QIIC): Customizable policies covering theft, damage, and windscreen repairs, with online claims submission. Website: https://www.qiic.com.qa/products/retail/motor-insurance/
Home Insurance for Residents in Qatar
Home insurance isn't mandatory but protects against fire, theft, water damage, and liability for rented or owned properties. Tenants can opt for contents-only coverage, while homeowners get building-inclusive plans. Online quotes and purchases are straightforward, with worldwide personal belongings extensions available.
GIG Gulf: Affordable contents and comprehensive plans with up to 5% online discount, covering valuables globally and alternate accommodation costs. Website: https://www.giggulf.qa/en/personal/products/home-insurance
Qatar Insurance Company (QIC): Building, contents, or combined policies for tenants/landlords, with fire/explosion coverage. Buy in four steps online. Website: https://qic.online/en/home-insurance
Qatar Islamic Insurance Company (QIIC): House and contents coverage for unforeseen damages, including appliance breakdowns and burglary. Online claims via WhatsApp. Website: https://www.qiic.com.qa/products/retail/home-insurance/
Qatar General Insurance & Reinsurance (QGIRCO): Instant quotes for home contents and property protection. Website: https://www.qgirco.com/
Before purchasing, compare quotes based on your needs, residency status, and vehicle/property details. Contact providers for personalized advice, as terms may vary.
Life Insurance for Residents in Qatar
Life insurance in Qatar is optional but highly recommended for residents, including expatriates and Qatari nationals, to provide financial security for families in the event of death, disability, or critical illness. Unlike mandatory health or car insurance, life policies help cover debts, education costs, or lost income. Options include term life (temporary coverage with level premiums), whole life (lifetime protection with cash value buildup), unit-linked plans (investment-linked), and credit life (loan protection). Premiums vary by age, health, coverage amount, and term (typically 10-30 years), starting from around QAR 500 annually for basic plans. Sharia-compliant Takaful options are available for those preferring ethical investments. Expatriates should note that coverage often ends if residency lapses, but some plans allow portability. Applications require a medical questionnaire; full exams may be needed for higher sums. Compare quotes based on needs, and consult advisors for tax implications or estate planning.
MetLife Qatar: Offers flexible term, whole life, and savings-linked plans with riders for critical illness and accidental death. Online purchase available with instant quotes; covers individuals and families up to age 65. Website: https://www.metlife-gulf.com/en/qatar/
HSBC Qatar (Zurich International): Term life policies for single or joint lives (e.g., spouses), with add-ons for disability and critical illness. Maximum entry age 74; premiums guaranteed for the term. Start applications online for quick processing. Website: https://www.hsbc.com.qa/insurance/products/term-life/
HSBC Qatar (Zurich Futura): Whole-of-life coverage with inflation indexation (5% annual adjustment) and flexible payments. Includes living benefits like terminal illness payout; suitable for long-term protection. Apply online with policy documents downloadable. Website: https://www.hsbc.com.qa/insurance/products/whole-life/
QLM Life & Medical Insurance: Comprehensive individual and group life plans, including child protection and career-linked coverage. Leading provider with global networks; online quotes and personalized solutions for residents. Website: https://qlm.com.qa/
Doha Bank: Partners with regional insurers for pure term, whole life, and unit-linked options. Family Takaful contracts available; submit details online for a specialist callback within one day. Website: https://qa.dohabank.com/personal/insurance/life-insurance-plans/
Commercial Bank of Qatar (MetLife): Life Protection Plan with lump-sum payouts for death or accidental loss. Affordable term coverage with critical illness acceleration up to USD 1 million; marketed via bank channels with online inquiries. Website: https://www.cbq.qa/en/personal/insurance/savings-and-protection-insurance/protection-insurance/life-protection-plan
QNB (MetLife): Live Life term plan for Qatari citizens, offering high coverage at low cost with critical illness benefits and free second opinions. Temporary account setup for new arrivals; apply through bank app or site. Website: https://www.qnb.com/sites/qnb/qnbqatar/page/en/enlivelife.html
Beema Insurance: Individual life policies with QAR 50,000 natural death and QAR 100,000 accidental death coverage. Ages 18-65; pro-rata refunds on cancellation. Fill forms online or via branches for issuance. Website: https://beema.com.qa/individual-life-insurance/
Qatar Islamic Insurance Company (QIIC): Aman Life Takaful for breadwinners, covering spouse and children with ethical, Sharia-compliant protection. Claims submission online; tailored for Qatar residents. Website: https://www.qiic.com.qa/products/retail/life-insurance-aman/
Zurich Qatar: Savings and protection-focused life insurance with online quotes. Emphasizes simple understanding; advisors available for customization. Website: https://www.zurich.qa/en/
Oman Qatar Insurance Company (OQIC): Credit life and general life packages for loan coverage or family protection. Tailor-made with in-patient benefits if bundled; online personal insurance purchases. Website: https://oqic.com/insurance/life-and-medical/
Before buying, verify eligibility (e.g., residency permit), review exclusions (like pre-existing conditions or high-risk activities), and ensure the policy aligns with Qatari Central Bank regulations. Digital platforms like those from MetLife and HSBC enable instant applications, but complex needs may require in-person advice. Contact providers directly for 2025 rates and promotions.
• Qatar National Bank (QNB) – One of the largest financial institutions in the region. Website: qnb.com/qnbqatar
• Doha Bank – Known for retail and corporate banking services. Website: qa.dohabank.com
• Commercial Bank of Qatar (CBQ) – Offers a wide range of financial products. Website: cbq.qa
• Qatar Islamic Bank (QIB) – A leading Islamic bank in Qatar. Website: qib.com.qa
• Qatar International Islamic Bank (QIIB) – Provides Sharia-compliant banking services. Website: qiib.com.qa
• Masraf Al Rayan – Offers Islamic banking solutions. Website: alrayan.com
• Ahlibank – A well-established bank with diverse offerings. Website: ahlibank.com.qa
• Dukhan Bank – Formed from a merger of Barwa Bank and International Bank of Qatar. Website: dukhanbank.com
• Qatar Development Bank (QDB) – Focuses on supporting SMEs and development projects. Website: qdb.qaBanks in Qatar
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